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Retirement withdrawal calculator (4% rule)

Estimate the yearly and monthly income your retirement savings can provide.

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Need Yearly income, Monthly income? The Retirement withdrawal calculator (4% rule) derives it from Retirement savings, Withdrawal rate (%) in one step. For instance, with Retirement savings = $500,000.00 and Withdrawal rate (%) = 4 it returns Yearly income = $20,000.00 and Monthly income = $1,666.67.

How to use it

  1. Enter your values: Retirement savings, Withdrawal rate (%).
  2. Read the result instantly: Yearly income, Monthly income.

Frequently asked questions

How does the Retirement withdrawal calculator (4% rule) work?

It takes Retirement savings and Withdrawal rate (%) and derives Yearly income and Monthly income from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

2 values: Retirement savings ($) and Withdrawal rate (%). Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Retirement savings = $500,000.00 and Withdrawal rate (%) = 4, the calculator returns Yearly income = $20,000.00 and Monthly income = $1,666.67. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

How much does the result change with different inputs?

It moves a lot. Using Retirement savings = $1,000,000.00 and Withdrawal rate (%) = 4.4 instead, Yearly income goes from $20,000.00 to $44,000.00 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Retirement savings = $250,000.00 and Withdrawal rate (%) = 3.6, Yearly income comes out at $9,000.00. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Checking whether the pot is on track, testing how long it lasts at a chosen withdrawal rate, and seeing what a few more years of contributions change.

What is the most common mistake?

Assuming an average return arrives evenly. A poor decade at the start of drawdown does far more damage than the same decade at the end, even when the average is identical.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the Retirement withdrawal calculator (4% rule) and the SWP Calculator (Systematic Withdrawal Plan)?

This one returns Yearly income and Monthly income; the SWP Calculator (Systematic Withdrawal Plan) returns Result. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

FIRE calculator (financial independence) is the closest one after this: Your FIRE number is the pot that funds your spending forever at a safe withdrawal rate — annual expenses ÷ SWR (4% → 25×). From your savings, income and expected return it estimates the years, and age, at which you reach it.

Further reading

All guides →
ExplainerThe 4 Percent Rule: What It Actually ClaimsSpending $40,000 a year needs $1,000,000 at 4 percent and $1,333,333 at 3 percent. Where the number came from, what it measured, and the four objections that matter.ComparisonLife Assurance or a Pension Plan: the Lock-Up Decides, Not the Tax BreakScore both wrappers on the same rows and the pension plan wins the arithmetic at almost every horizon and almost every combination of tax rates — including when the rate does not fall at all. Which is exactly why the deduction is the wrong thing to decide on.ExplainerThe Three Brackets That Set Your Social Security CheckThe benefit is 90 percent of the first slice of your indexed career average, 32 percent of the next and 15 percent of the rest — 1,286 and 7,749 dollars are the 2026 bend points. Then age adjusts it: claiming at 62 with a full retirement age of 67 cuts it 30 percent, waiting to 70 adds 24.ExplainerWhat Is Your FIRE Number? The 25× Rule ExplainedYour FIRE number is the nest egg that funds financial independence. Learn the 25× rule, the 4% safe-withdrawal rate, and Coast, Lean and Fat FIRE variants.ExplainerHow Inflation Eats Your SavingsInflation quietly cuts what your money can buy. Here's what it is, how it erodes cash, the rule of 72 for prices, and how to protect your savings.ExplainerThe Quarters or Points You Are Missing, and What Each One Is Actually WorthA missing quarter in France costs you twice over, through two separate mechanisms that most explanations mention only one of. A German point is a single arithmetic step and much easier to price. Both are computable, and the 2026 figures changed more than usual.